What is a car accident claim worth in Minnesota?
Every rule below is quoted from Minnesota law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Minnesota, and the Minnesota rules that raise or lower what you collect. $33,856 was the average injury claim paid in Minnesota in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Minnesota law on this site, each with a link.
What claims paid in Minnesota
Injury claims in Minnesota averaged $33,856 each in 2022.
Car and property damage claims averaged $6,046.
| Injury claim paid by the at fault driver's insurance | $33,856 |
|---|---|
| Car and property damage | $6,046 |
| Personal injury protection, paid by your own policy | $10,983 |
| Medical payments coverage, paid by your own policy | $11,685 |
| Collision coverage, paid by your own policy | $6,335 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Minnesota
If you were partly at fault
Minnesota uses modified comparative fault. You can recover damages as long as your share of fault is not greater than the fault of the people you are suing. If your fault is greater, you recover nothing.
“if the contributory fault was not greater than the fault of the person against whom recovery is sought”
The other driver's policy limit is the ceiling
Minnesota drivers must carry liability insurance of at least thirty thousand dollars per person and sixty thousand dollars per accident for injuries you cause, and ten thousand dollars for property damage.
“of not less than $30,000 because of bodily injury to one person in any one accident and, subject to said limit for one person, of not less than $60,000 because of injury to two or more persons”
If the other driver has no insurance
Minnesota requires every vehicle owner to carry uninsured and underinsured motorist coverage, of at least twenty five thousand dollars per person and fifty thousand dollars per accident.
“Every owner of a motor vehicle registered or principally garaged in this state shall maintain uninsured and underinsured motorist coverages as provided in this subdivision”
The deadline that ends the claim
You have six years from the crash to sue for your injuries.
“Six-year limitation. Except where the Uniform Commercial Code otherwise prescribes, the following actions shall be commenced within six years”
What a lawyer takes if you hire one
Minnesota has no statute capping personal injury contingency fees. A lawyer may charge a contingent fee as long as it is in a signed written agreement stating how the fee is calculated.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.